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How “Payday” Loans Work

Just what exactly IS a payday loan? The answer is simple: It’s more accurate to call it a small short-term unsecured loan, designed to get a customer through a short, tight-money patch. It’s usually less than $500, and can be … Continue reading

Posted in Financial Education, Selecting and Using Credit, Using Financial Services

Don’t Let the Government Take Away Your Loans!

New rules proposed by the government would change short-term credit for everyone, making it harder—sometimes impossible—for you, the customers, to get the money you need. These new rules would apply to PayDayHawaii’s Micro-Credit Advance, payday advances, and other forms of … Continue reading

Posted in Financial Education, Selecting and Using Credit

Your Identity Has Been Stolen: Now What?

In spite of your careful monitoring, the worst has happened: Your identity has been stolen. It’s not your fault; these things do happen in spite of your best efforts. But what do you do now? Don’t panic, but do act … Continue reading

Posted in Financial Education, Hawaii Neighborhoods

What’s Your Budget Personality?

It’s no surprise that we all have different talents and abilities, or that we like to do things differently than everyone else. What can be surprising is that your personality affects how you approach (or avoid) budgeting, too. Some people … Continue reading

Posted in Financial Education

How Food Stamp Programs Work

The Federal food stamps program (or SNAP: Supplemental Nutritional Assistance Program) is always in the news. It’s good, it’s bad, the program doesn’t supply enough, it supplies too much and gets abused, etc. But here’s what you should know: The … Continue reading

Posted in Financial Education, Hawaii Neighborhoods, Smart Shopping and Budgeting

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